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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,374 | $73,863-52.1% | $143,797-75.4% | $68,490-48.4% |
| Participation rate | 73.3% | 66.7%+6.7pp | 80.3%-7.0pp | 67.9%+5.4pp |
| Annual return | -17.67% | 0.91%-18.6pp | -0.04%-17.6pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,541 | $3,185-51.6% | $4,952-68.9% | $2,597-40.7% |
| Participant deferral / active EE | $2,905 | $3,385-14.2% | $5,638-48.5% | $4,028-27.9% |
| Admin fee / account holder | $9,332 | $5,756+62.1% | $14,679-36.4% | $5,403+72.7% |